Customer payment methods with Shopify Payments in the United States

When you use Shopify Payments in the United States, you can accept customer payments with credit and debit cards, accelerated checkouts, local payment methods, and cryptocurrency. Review the available options to determine which payment methods to activate for your store. The payment processing rates that you're charged for customer card purchases with Shopify Payments depend on the subscription plan that you have for your Shopify account.

With Shopify Payments, you can manage your payment processing and order management systems directly from your Shopify admin. Shopify Payments protects your customers' data through fraud detection and encryption methods such as 3D Secure.

Credit and debit cards with Shopify Payments in the United States

Businesses in the United States using Shopify Payments can accept payments online and in person with Shopify POS. To accept payments in person with Shopify POS, you can use either of the following options:

• A Shopify-supported card reader with Shopify Payments
• An external card terminal with a third-party payment processor

When you activate Shopify Payments, credit and debit card payments are automatically activated and no additional setup is required. You can accept payments from the following credit and debit card brands:

• American Express
• Diner's Club
• Discover
• Mastercard
• Visa

Accelerated checkouts with Shopify Payments in the United States

The following accelerated checkout payment methods are available with Shopify Payments in the United States:

• Apple Pay
• Google Pay
• Shop Pay

Local payment methods with Shopify Payments in the United States

To use local payment methods, you need to activate them in the Payments page of your Shopify admin.

Local payment methods are displayed at checkout based on your customer's location, not your store's location. This means that you can accept payments from customers in different countries using their chosen local payment methods.

For example, if your store is located in the United States, you have iDEAL | Wero activated as a local payment method, and your customer is located in the Netherlands, then iDEAL | Wero is displayed as a payment option at checkout for that customer.

Review the following table to learn more about which payment methods you can activate and which countries your customers must be located in to use these options at checkout.

Additional eligibility requirements for specific local payment methods

Some local payment methods have additional eligibility requirements. For example, when using Shopify Payments for the United States, you must process at least 100 orders with Shopify Payments before you can activate iDEAL | Wero. Learn more about the requirements when offering iDEAL | Wero as a local payment method.

Cryptocurrency with Shopify Payments in the United States

With Shopify Payments in the United States, you can accept cryptocurrency payments in USD Coin (USDC).

If you're based in Arkansas, New York, Pennsylvania, or Texas, then you can't accept USDC payments.

If an order is placed using USDC cryptocurrency, then you receive a credit for each transaction. Depending on how you choose to get your USDC payments, you receive credits in the following ways:

• If you choose to receive USDC payments in your Shopify Payments payouts, then the credit is applied to your next available payout.
• If you choose to receive USDC payments to your USDC balance, then credits are collected from the date of your first USDC transaction, and are paid out when this feature becomes available. You're notified by email when it's possible to receive credits for USDC transactions to your USDC balance. Learn more about claiming USDC payouts.

Accepting health savings account (HSA) or flexible spending account (FSA) cards

Businesses in the United States that sell medical products might be eligible to accept health savings account (HSA) or flexible spending account (FSA) cards at checkout.

Your store needs to the meet the following requirements before being reviewed to accept HSA or FSA cards at checkout:

• The store owner must make the request.
• Your online store must be active and accessible to the public.
• At least 90% of your sales must be medical products.
• Your medical products must belong to one of the Internal Revenue Services (IRS) approved categories.
• Your products must comply with the Shopify Payments terms of service, specifically Section B.5, which outlines items prohibited for sale using Shopify Payments.

To verify whether your business can accept HSA or FSA cards at checkout, you must contact Shopify Support.